Is the Horizon Gold Card Right For You?
Many times we are faced with the issue of making the right choice over many options. At such times, getting one or two pieces of info helps a lot. That is just the essence of this post.
Horizon Gold Card is not necessary a credit card like Visa Card or MasterCard. Instead, it is a store card designed for anyone
If you are in a dire need of a credit card, but you do have a bad credit score, or you don’t even have a credit history at all. Then this card is designed just for you – to help you build your low credit. Which in turn helps you qualify for better options as it relates to a credit card.
In the case that you have applied for a card before but were denied approval, then you can try the Horizon Gold Card because you might just be lucky to get approved for it.
If you have a poor credit score and even a limited monthly income, but you shop regularly at the Horizon Outlet store. Then Go for the card.
It is great to note that the card has no great perks or benefits that most credit cards have, though it comes with a 0% APR and nearly anyone can be approved.
Either the Horizon Gold Card or the Horizon Credit Card is fondly called by many.
Let’s Review It.
As we have said earlier the Horizon Gold Card is not a credit card at but a store card that can only be used at the Horizon Outlet store online.
If you use this card then you always have to pay your bill in full every month.
The fees are regarded as high by many. The card costs nearly $300 a year in fees and has a limit of only $500
It does not come with bonuses.
No major requirement is needed for the card.
You don’t need a credit or your employment check to get approved for the card.
When you get approved for the card, you will receive a $500 credit limit that comes with most unsecured card, which also comes with a 0% APR.
Facts & Features
Great to know that
- The card offers a $500 credit limit like many Unsecured cards
- You don’t need your credit check to be approved for the card
- Credit bureau reporting: it reports your credit to the major credit bureau which is an added advantage for you to build your low credit fast.
- You can easily apply online.
- No employment requirements are needed meaning you don’t necessarily need to be employed to be approved for the card.
The Horizon Gold Card is an unsecured credit card geared toward customers with bad credit.
It is actually called a catalog card, designed for cardholders with bad credit or no credit. The card can be used just to make purchases from the Horizon Outlet website.
Best Facts
No credit or employment check: Horizon Card Services doesn’t verify your employment or check your credit when applying for the Horizon Gold Card.
No interest charges: This card charges a 0% APR on purchases.
Worst Fact
The card demands a Monthly fee of $24.95 for Cardholders who have registered for their membership program. Anually you have to pay a total of $299.40 a year. If for any reason you were unable to pay the fee due to insufficient funds, you lose membership status. You plan is automatically downgraded to the basic starter plan.
The starter plan just costs about $6.95 monthly (plus a $6.00 monthly card maintenance fee). In this plan you don’t enjoy the roadside assistance.
Why GET A Horizon Gold Card?
I believe at this point your mind is getting clearer if you would go for the card or not.
But if still need some clarification then let’s dive further.
The first major fact why you should at all consider the card is that it does not require your employment documentation, and the card provider will definitely not run a credit check to check your credit status when you apply.
This is a great advantage for you if you do not have great credit and that keeps getting you denied for a credit card.
Another thing about Horizon Gold is that it has a fairly high credit limit compared to some other bad credit score cards available. $500 is more than double what some secured credit cards offer
A View At the Horizon Outlet Stores
Horizon Outlet store is a mega online store that has a decent number of shopping opportunities. They include Apparel, jewelry, accessories, and footwear for kids, men, and women.
Home items such as kitchen and bath supplies, decor, and appliances. Books, Auto Supplies, Pet Supplies, Toys.
Shopping at the Horizon Outlet store could help you save money since these products come with great prizes
Any Rewards & Benefits With Using The Horizon Gold Card Activation
This offers you a Privacy Protection Plan that provides you with a free credit report which allows you to see exactly what the bureaus have on file for you in terms of financial behavior.
The user of the card also gets some kind of benefits that can help you save on your medications. Members receive up to 40 percent off on all covered prescription medications. Good to note that this is possible only in participating pharmacies.
The Horizon Gold card also has Gold’s roadside assistance which helps you with things like towing services. You can makeup up three service calls or towing requests up to 15 miles and above for as much as $50. Any Additional mileage is at your own cost.
Horizon Gold reports to one of the major credit bureaus every thirty days. This is the key point because it is the only way to consistently build your credit. By documenting that you responsibly repay your debt each month, you show lenders that you’re trustworthy.
Horizon Gold offers customer support via either an online contact form or live chat to answer all your questions.
Horizon Gold Rates & Fees
There are some hefty fees to consider when applying for Horizon Gold, including:
Since the card is an unsecured card. You’ll have to pay a down payment to get a credit line, but there’s really no annual fee.
Credit Limit: You get a $500 credit limit with this card
The card has no APR which seems to be one of the best benefits of using the card.
The minimum monthly payment is 10 percent of the account balance or $25—whichever is greater.
If your balance is less than $25, you’ll be required to pay your entire balance.
Horizon Gold has a $20 late payment fee.
You are charged additional fees of $2.50 for delivery signature verification and $2 for residential delivery.
An activation fee of $5 as an account validation fee is charged when you first open your Horizon Gold account.
Application Guide
- Go to the card’s webpage at www.thehorizonoutlet.com
- Next click on Apply Now Tab to continue
- You will be transferred to the application page.
- Provide all the information needed.
www.thehorizonoutlet.com activate my card online activation
Horizon Gold Card Activation
- To activate Horizon Gold Card first thing is users have to do is visit the link – www.thehorizonoutlet.com
- On the next page, click on “Cards”
- Then click on “Activate-Cards-Magnetic-Stripes-For-Overseas-Use”.
- Once done, enter your Horizon Gold Card Number and your 6 digits security pin.
- Now click on “Selections” and choose “Cards-Accounts”.
- You will get a notification shortly, that your Horizon Gold Card has been activated.
Using Horizon Gold Card Customer Care Number to Activate the Card
- You can dial 1-800-251-6144 to activate the card by phone.
- Once you are connected to Horizon Gold Card Customer Care officer you tell them you want to activate the card.
- You have to provide your personal details like your full name and your full address and your date of birth etc.
- Next is to provide your card details, for example, your Horizon Gold Card Number and your Horizon Gold Card CVV code and card type, etc.
- After completing the steps above, you will get a notification showing your card has been activated.
You can Call Horizon Customer Service Phone Number for any issues relating to using the card. To get the Horizon Customer Service Phone Number, simply go to your last bill statement or visit their website; then locate the contact us section.